What we do

Core Financial Planning Services

Sensible Financial Planning Ltd. provides comprehensive, customized financial planning that integrates all aspects of a client’s financial life. This includes:

• Retirement Planning: Strategies for pre- and post-retirement income and asset management.
• Education Funding: RESP planning and education savings strategies.
• Estate and Succession Planning: Including executor advisory services and referrals.
• Budgeting and Debt Management: Helping clients manage cash flow and reduce liabilities.
• First-Time Investor Guidance: Education and planning for new investors.
• New Home Savings Plans: Including FHSA strategies for first-time buyers

Insurance Solutions

Sensible offers a wide range of insurance products tailored to protect clients and their families:

• Life Insurance: Tax-free lump sum benefits for beneficiaries.
• Critical Illness Insurance: Lump sum payout upon diagnosis of covered conditions, with some plans offering return of premium.
• Disability Insurance: Monthly income replacement up to age 65.
• Long-Term Care Insurance: Daily benefits for home or nursing care, often available as a rider on critical illness policies.
• Travel Insurance: Emergency medical and trip coverage outside the home province.
• Riders and Add-ons: Including term life, children’s riders, AD&D, and premium refund options

Investment Products

Sensible Financial Planning offers a variety of investment vehicles through Sterling Mutuals Inc.:

• Mutual Funds: Professionally managed portfolios.
• GICs: Fixed-rate, time-bound investments.
• Segregated Funds: Insured investment options with potential creditor protection.
• Annuities: Structured income streams for life or a fixed term.
• Registered Plans:
• RRSPs: Tax-deferred retirement savings.
• TFSAs: Tax-free growth on a wide range of investments.
• RESPs: Education savings with government grants.
• RDSPs: Disability savings plans with matching grants and bonds.
• FHSAs: First Home Savings Accounts for eligible Canadian

Administrative & Client Support

• KYC and Risk Assessments: Regular updates and reviews to ensure compliance and suitability.
• Account Summaries: Detailed overviews of client holdings and contributions.
• Insurance and Investment Coordination: Integration of work benefits, bank savings, and Sensible-managed assets

Location and Contact

• Address: #115, 1925 18th Ave NE, Calgary, AB T2E 7T8
• Phone: (403) 592-5885
• Website: sensiblefp.com